10 Reasons Why You Can't Sleep and How to Fix Them

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Having trouble sleeping?  Below are 10 of the most common reasons why with suggestions on how to correct them.

1. Your room isn’t dark enough.

Ideally, your bedroom shouldn’t have any lights on, especially light emitted from a TV or any electronic device. When your eyes are exposed to light during the night, your brain is tricked into thinking it’s time to wake up and reduces the production of melatonin, a hormone released by your pineal gland that causes sleepiness and lowers body temperature. Light emitted by electronic devices is especially troublesome because it mimics sunlight.

2. Exercising too late.

If you exercise within three hours of trying to sleep, you’ll overstimulate your metabolism and raise your heart rate causing restlessness and frequent awakenings throughout the night.  Try to exercise in the morning or no later than mid to late afternoon, which will result in sounder sleep.

3. Drinking alcohol too late.

We tend to think of alcohol as a sleep inducer, but it actually interferes with REM sleep, causing you to feel more tired the next morning.  Granted, you may feel sleepy after you drink it, but that’s a short-term effect.  Here’s a great video at WebMD about alcohol and sleep.

4. Room temperature too warm.

Your body and brain wants to cool down when you sleep, but if your room is too warm you’ll thwart the cool-down process.  Having a fan in your room is a good idea because it will keep you cool and produce a consistent level of white noise that will help you fall asleep. Just don’t get too cold, because that will disrupt sleep as well. (You can also try cooling your brain.)

5. Caffeine still in your system.

The average half-life of caffeine is 5 hours, which means that you still have three-quarters of the first dose of caffeine rolling around in your system 10 hours after you drink it.  Most of us drink more than one cup of coffee, and many of us drink it late in the day.  If you’re going to drink coffee, drink it early.

6. Clockwatching.

Though it’s hard not to do, don’t look at your clock when you wake up during the night. In fact, it’s best to turn it around so it’s not facing you.  When you habitually clockwatch, you’re training  your circadian rhythms the wrong way, and before long you’ll find yourself waking up at exactly 3:15 every night.

7. Getting up to watch TV until you’re sleepy.

This is a bad idea for a few reasons. First, watching TV stimulates brain activity, which is the exact opposite of what you want to happen if your goal is to sleep soundly. Second, the light emitted from the TV is telling your brain to wake up (see #1 above).

8. Trying to problem-solve in the middle of the night.

All of us wake up at times during the night, and the first thing that pops into our heads is a big problem we’re worried about.  The best thing you can do is stop yourself from going there and redirect your thoughts to something less stressful. If you get caught up on the worry treadmill, you’ll stay awake much longer.

9. Eating protein too close to bedtime.

Protein requires a lot of energy to digest, and that keeps your digestive system churning away while you’re trying to sleep — bad combination.  Better to have a light carbohydrate snack.

10.  Smoking before bedtime. 

Smokers equate smoking with relaxing, but that’s a neurochemical trick. In truth, nicotine is a stimulant.  When you smoke before trying to sleep, you can expect to wake up several times throughout the night; much as you would if you drank a cup of coffee.

Term Life Insurance – How To Get The Best From It

There are merits in getting a term life insurance policy. There are also demerits. A deeper knowledge of term life insurance (Its merits and demerits) will help you ascertain if it’s right for you or not. Let us go over the merits of term life insurance before we go further…

It is a less expensive option and a great alternative at a time in your life when you can’t risk being without a life insurance policy but are financially burdened.

Disadvantages…

1. You would have to pass on within the policy’s duration for any death benefit to be given to your loved ones. There’s no form of benefit to be paid out should you stay alive through the policy’s duration and/or pass on even a minute afterwards.

2. Policy holders could finally become uninsurable at the termination of their present term life policy.

The following two features will ensure that you get the best out of your term life insurance policy. Although they will make your premium slightly higher, they’re well worth it.

Guaranteed renewal…

A term life insurance policy with guaranteed renewal means you can’t be rejected if you want another term at the end of a current term.

Convertibility…

If you get a term life policy that’s convertible, you can change over to another life insurance policy thus having the best of both worlds. If you are less than forty, you can get it when you need substantial coverage but have few dollars and later switch to whole life insurance as your finance improves.

Get Your Term Life Policy For The Least Price Possible…

You can bring down your term life insurance rates by asking for quotes from reputable insurance quotes sites. I advise that you use not less than three quotes sites since that will ensure you do not miss out better quotes not presented by the other sites. This provides you a broader basis for doing better comparisons thereby increasing your chances of getting better quotes.

Variable Life Insurance Quotes

postVariable life insurance is life insurance that gives account flexibility for more risk-oriented policyholders and it provides permanent protection for them. It pays the death benefit to a named beneficiary and offers low-risk, tax-free cash buildup. It permits the death benefit to vary, with regards to the fund returns of the cash value account. It lets a policyholder borrow from the policy, during his lifetime. However, it does not offer any guarantee on the amount of cash value, during the policy holder?s lifetime. It offers no premium flexibility and no face amount flexibility.

Universal variable life insurance is a variable life insurance that gives more control on the cash value account policy features, than any other form of insurance. It does so by paying the death benefit to a named beneficiary and offering low risk tax deferred cash value option. Furthermore, it offers separate accounts for investing in money market, stock and bond funds. It offers premium flexibility and allows people to make withdrawals or borrow from the policy, during their lifetimes. It insists that if a contract is terminated in early years by the policyholder, he will receive less cash value total returns, than mentioned in the contract.

A policyholder needs to devote time to manage the accounts. A policy?s long-term success depends on the investment made by the policyholder. This insurance does not work well with small premium amounts because it is necessary for the premium to cover the account and investment.

These variable life insurance policies are regulated at the state and federal level and can be risky. They do not guarantee either principal or interest. It is imperative that while purchasing a variable life policy, the agent presents the buyer with a prospectus. This should be equipped to furnish all the necessary information on the product.

Reliable Life Insurance Company – Which Companies are the Best?

A life insurance policy is a huge purchase. Think about it – your life insurance policy can help you and your family in times of financial stress while you’re still alive, and they can help your beneficiaries, who are usually your family members, in times of financial stress after you’ve passed away. Naturally you want to purchase your life insurance policy from a reliable life insurance company; but, which companies are the best? Those which are financially strong and customer-focused.

To ease your worries, most life insurance companies don’t suddenly disappear due to financial struggles and/or bankruptcies. This is because the business of selling life insurance is heavily mediated, and in order for a life insurance company to be approved to do business in a state, it must prove itself to be financially secure and reliable. So, you shouldn’t feel too hesitant about purchasing a life insurance policy from a life insurance company that hasn’t been around very long if that life insurance company offers you a great package; however, if you feel more comfortable choosing a reliable life insurance company that’s been around for decades, you can find the top rated life insurance companies by checking out the different ratings given by independent research companies.

Once you have decided on a few life insurance companies that seem reliable, reputable, and worthy of your business, it’s time to do your own research. You definitely want to choose a life insurance company that offers friendly and accurate customer service, whether you decide to complete the transaction face-to-face with an agent from the life insurance company, or make the purchase online and by telephone. Schedule an appointment with an agent or call a customer service representative with any questions you have about their life insurance policies. Their patience and the thoroughness of their answers will give you a pretty good idea as to whether or not you want to do business with them.

A Guide to Life Insurance Rates

Most people shy away from taking life insurance policies, thinking that the procedure is complicated and long drawn out. They are practically unaware of details such as life insurance rates and premiums. As the premium and insurance rates are correlated, it is best to subject a policy to careful and detailed examination before buying it. Life insurance policies can be used for many purposes such as protecting your family after your death, repaying a mortgage, paying inheritance tax, and protecting a business against the loss of a key individual.

Insurance policies broadly fall under two categories – a single life insurance policy or joint life insurance policy. The different insurance policies include health insurance, term life insurance, long term care insurance and home insurance for property protection. The insurance rates for these policies are classified as preferred plus, preferred, and standard. A person in the United States with some minor health problems over his lifetime can easily qualify for standard insurance rates. Preferred rates are provided to persons having a good and healthy physique. These rates are offered only after detailed medical checkups including height, weight, blood pressure, and cholesterol levels. The preferred plus rates are given to people who have no history of drug or alcohol abuse.

Life insurance rates vary depending on the type of policy you choose as well as the amount of coverage you request. Considering the fact that women tend to live longer than men, the life insurance companies offer lower premiums to females than males. In such cases, the insurance rates will also be lower than normal policies. Most of the insurance companies also consider your age while applying for a policy.

There are many websites providing detailed information about the best online quotes and insurance rates. While comparing the rates in various sites, you find that both the standard and preferred insurance rates vary by hundreds between companies throughout Canada and the United States of America. When comparing the rates, care should be taken to compare only standard to standard and preferred to preferred rates.

Life Insurance Purchasing Tips

For those individuals who are buying life insurance for the first time, there are many things to consider. Some of these aspects include:

1. Understanding the needs

Insurance policies are not investment plans. Rather, these are policies that provide people with financial assistance with some futuristic need. These policies have helped numerous people worldwide in paying off for extensive medical treatment bills, mortgages, education and much more. However, the success of achieving the intended objective depends on a person’s ability to identify his or her needs and finding the best insurance plan that offers the best fit accordingly.

2. Coverage amount

Rather than running after the insurance agents and the brokers, these days a person can simply make use of the online calculators to determine the death benefit the family members will receive upon the demise of the insured. This hypothetical calculation will provide individuals with a rough idea of the amount and will help them in assessing further needs accordingly.

3. Determining the policy type

There are various types of the life insurance plans one can select. These plans include whole life insurance plans, variable life, critical illness insurance and several spouse and children related policies as well.

4. Repute of the insurance company

One should search for authentic insurance companies offering services when looking for insurance policies in the real and the virtual world. As a rule of thumb any insurance policy will only be as good as the company that backs it. Thus, one should look for only reputed insurance companies that pay their claims on time. One can also refer to the credit ratings of the insurance companies to evaluate their standing.

5. If possible opt for a financial professional

Those individuals who are facing difficulty in understanding the terms and conditions of the insurance policy should make sure to hire the services of a financial professional. This has many advantages as the financial professional can also offer help in selecting the appropriate insurance plan as well as providing assistance in updating coverage as the needs of their clients change.

6. Learn insurance terminology

Individuals who are considering different life insurance plans should be well aware of insurance policy terms. It is important to learn the meanings of cash value, dividends, premiums and other financial terms so you can understand the policies better.

7. Beware of red flags when purchasing the insurance policies

This includes;

a) Advisers who claim to be more knowledgeable about the insurance company than the rating agencies
b) Those who claim the ratings are unimportant or unavailable etc.

A Term Life Insurance Policy Can Be a Welcome Perk For an Executive

Executives these days are coming under more scrutiny by shareholders for exorbitant salaries and stock option rewards. However, there is no lessening of demand for the top performers for corporate lead roles. One way to lure the best managers and executives is by offering perks that aren’t being offered by your competitors. One sure enticement is a company paid life insurance policy.

A policy holder of term life insurance is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation. The company need only be concerned with making premium payments for the duration of employment of the executive who is the insured person. Upon leaving the company, payments on the person’s insurance would cease, as would the insurance coverage.

The ease of getting term life insurance quotes allows the company Human Resources Director to quickly compare term life rates to find the most affordable term insurance cost for the executive prospect being considered. The process can be completed by going online to any of the various insurance quote sites that are presented by searching for term life insurance. The opening page usually has a easy to use and easy to understand quote form. The information the HR Director needs to know about the prospect is generally date of birth, state of residence, whether the person to be insured is a smoker or non-smoker, the desired amount of coverage, the required term of the policy, the gender of the insured and whether premium payments are to made monthly or yearly. Submitting the request will initiate a comparison of dozens of insurance providers and the response takes but seconds. Term rate quotes for various coverage amounts and term lengths can be accomplished in minutes.

An executive prospect will value a term life insurance perk in a contract offer. Will it be enough to sway the decision to accept the position? Sometimes it will.

Term Life Insurance is Well Suited For Short Range Goals – Like 25 Years of Child Rearing

My husband and I have made the decision to buy term life insurance. Why term insurance? It’s simple. Term life was developed to provide the average person with temporary coverage knowing the average person would be constrained by a limited budget. Term can be purchased in fairly large amounts for a relatively small premium payment when compared to other insurance types, making it very well suited for short-range goals. When they say temporary coverage they mean coverage for term lengths of 5 years, 10 years, 15 years, 20 years, 25 years and 30 years. When they say short-range goals they mean providing adequate insurance protection to cover the child-raising years.

Another part of the decision to go with term life insurance is that it is the simplest form of life insurance. I found enough to have to understand and think about with this uncomplicated insurance type and have no interest in having to take on anything more complex, like trying to leverage my insurance payments into an investment vehicle at the same time with cash benefits and payouts of differing amounts over varying amounts of time, depending on interest rate fluctuations and so on and so forth. Those are investment thoughts that, for me, don’t mix well with dead husband thoughts. And our limited budget really is a limited budget so this will have to be the most affordable type of insurance. Besides, as soon as it turns into an insurance plus investment decision we now will have to rely on the advice and opinion of a broker or agent. We were planning on using the internet for quoting and purchase. It is hard to develop a trusting relationship with someone dispensing investment advice in a chat room.

So since we are going to do our purchase online, if everything goes well we will start with term life insurance quotes, choose the best term life rate, make our purchase and continue on with our short-range goal of raising two children for the next twenty years.

Low Cost Life Insurance Brokers

Insurance brokers are employed by insurance companies to help them sell their policies. These brokers are also known as insurance agents. They sell exclusive life insurance policies and are also called ‘captive agents’. Apart from ‘captive agents’ there are independent sales agents, who collect and compare various insurance plans from different companies. They recommend the plans to their clients, matching the individual requirements. These brokers mostly deal with casualty insurance.

Insurance brokers conduct interviews with their prospective clients to analyze their requirements. In case of a life insurance, brokers interrogate the clients about their health conditions and chalk out the risks involved in the case. The agents suggest the appropriate policy that would cover the specific requirements of the client. They also explain in detail, the terms and conditions of the policy, including the payment modes, rates and the benefits associated with the policy. Once the client is convinced, the filled application form with the necessary documents, are sent to the insurance company. These agents help in getting the settlement amount from the company.

Life insurance brokers sell policies that cover the family or the beneficiary in case of the death of the insured. They mostly sell financial products, but are also involved in cross selling of variable annuities, mutual funds and other products providing financial security. In order to sell any kind of insurance product, including life insurance policies, they require a license.

A number of low cost life insurance brokers can be found online. They represent various insurance companies. In order to get quotes about the various options, investors need to fill up an online form. Based on their information, they receive quotes and policy options from these brokers. However, it is important to compare and check the varying costs and benefits, before choosing a policy.